How Much Does Dump Truck Insurance Cost in Texas?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 27, 2025
- 2 min read
If you own or operate a dump trucking business in Texas, one of your biggest questions is likely: How much does dump truck insurance cost? The answer depends on several factors, but undercstanding the average rates and what influences them can help you budget and save money.
Average Cost of Dump Truck Insurance in Texas
In Texas, dump truck insurance typically ranges from $8,000 to $18,000 per year for a single truck. This is higher than the national average because Texas roads and highways are considered riskier due to heavy traffic and long hauls. For some businesses, premiums can go as low as $5,000 or as high as $20,000 per truck annually, depending on your operation.
What Factors Affect Your Insurance Rate?
Several factors influence your dump truck insurance cost in Texas:
Type and Size of Truck – Larger trucks or those with multiple axles cost more to insure.
Cargo Type – Hauling sand, gravel, or asphalt can increase risk.
Driving History – Clean records lower premiums; violations raise them.
Coverage Limits – Higher liability limits mean higher premiums.
Location & Routes – Operating in high-traffic areas like Dallas or Houston can increase costs.
Years in Business & Credit History – Established businesses with good credit often get better rates.
How to Save on Dump Truck Insurance
Bundle Policies – Combine liability, physical damage, and cargo coverage.
Hire Experienced Drivers – Insurers reward safe, experienced operators.
Work with a Specialized Broker – Agencies like Wexford Insurance work with dump trucking companies nationwide and can help you find the best rates.
Why Choose Wexford Insurance?
At Wexford Insurance, we specialize in dump truck insurance for businesses across the U.S., including Texas. Our team understands the unique risks of the industry and works with top carriers to get you the best coverage at competitive rates.
Want to Start a Dump Truck Business?
If you’re thinking about starting your own dump trucking company, check out my book: How To Start a Dump Truck Business – a step-by-step guide to launching and growing a profitable operation.
Get a Free Quote Today
Ready to protect your business? Contact Wexford Insurance for a free dump truck insurance quote and let us help you keep your business rolling.
